Freedom Finance Loans


    • Typical APR: 17.3%
    • Min: £5,000
    • Max: £100,000
    • Term: 3 - 25 Years
    • Bad Credit: No
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Freedom Finance is a trading style of Moneio Ltd. based in Wilmslow, Cheshire. Established in 1983, the company was originally a part of the Freedom Finance Group. In 2007, Moneio Ltd came on the scene by researching and developing an online loan application solution, and the company then combined it with a decision engine comprised of multiple lenders. In 2009, Moneio Ltd bought the operational unit called Freedom Finance plc, and the lending platform officially became a freestanding company owned by Moneio Holdings.

Freedom Finance prides itself on having teamed up with some of the UK’s most respected lenders. Some of these lenders include Zopa, Sainsbury's Bank, and Secure Trust Bank, among many others. The website matches a person to a lender without leaving a credit history “footprint” on the person’s search. This frees the customer up to compare many lenders without negatively influencing credit rating.


Freedom Finance focuses on providing you with a competitive product as quickly as possible. They want you to be able to receive an instant answer online regarding whether a company will approve you for a loan. The lender you select will contact you within 24 hours of applying for the loan to make final arrangements. The lender will also let you know what other documentation is necessary to finalize the application.

Your APR generally depends on the amount of the loan and the perceived risk as determined by the lender. With Freedom Finance, once you have entered in your information, they disclose the APR of any loans for which you are eligible. This means that you will already know the APR for your loan once you have chosen your lender.


Freedom Finance is a one-stop service that allows you to search and apply for the right secured homeowner loan that will fit your needs. They can determine your projected interest rate based upon your individual circumstances. The company allows you to receive an accurate quote before you even submit the application for the loan, which allows you to get the information that you need without affecting your credit score in the process.

Freedom Finance will take the information you have provided and pass it along to the company you select. This means that you will not have to reenter any of your information a second time; the lender that you choose will automatically have your data imported into your application. Once the lender receives that information, they will then contact you to complete the application process.

Freedom Finance does not charge you for their services. Their cut comes from advertising for the lenders on their website. If you apply for certain kinds of loans, there will be a fee associated with your application. However, the fee is already included in the quote that you have received. Therefore, you will only pay the fee once you have completed the loan. You will never have to pay any fees upfront.

Using Freedom Finance will save you the time it would take to search dozens of different websites for a quote, typing in all of your personal information into unsecured forms, and then waiting to hear back from each one. The company allows you to shop around for loans in one place. You only have to enter your information once in order to get a complete list of any loans for which you are eligible. The company also furnishes you with a list of reasons why certain companies may not have approved you for a loan.

Clients and Customers

Freedom Finance assists some of the largest brands in the UK by providing their services. Some of the company’s clients include: Barclays Bank, NHS Discounts, Sainsbury’s Bank, Co-operative Bank, and Freemans Grattans Holdings.

In order to qualify for a loan from any of the lenders that Freedom Finance provides for you, you will have to prove that you can afford it. Your credit history will be examined, and any loan repayment issues you have had in the past will be taken into account. The lender will weigh your income against the amount of the loan that you are applying for in order to ensure that you can afford repayment. If you are applying for a secured loan, the lender will also assess the equity in your property.

Once this information is obtained, the lender will then do a risk assessment. This means that the lender will use the information you provided to them and make a decision regarding the likelihood of you successfully repaying the loan. If the risk is too high, then you will be denied the loan.

Interest Rates

Freedom Finance works with a number of lenders for both secured and unsecured loans. The lenders that provide unsecured loans are Sainsbury’s Finance, RateSetter, Zopa, Creation, and Everdayloans. The lenders that provide secured loans are Masthaven, Nemo, Norton Finance, Shawbrook, Bleman Finance, Central Trust, Prestige Finance, Optimum Credit and Precise Mortgages. Each interest rate are depend on your individual circumstances and the lender in question.

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